There are brave individuals in the other place; Senator Williams, in particular, is the first person I saw call on this. At the time I thought we had a well-regulated banking sector, which had coasted us through the global financial crisis, and I was using that as evidence of how resilient the Australian banking system was and how well regulated it was. But it turns out I was wrong. I’m very pleased that we now have the very swift recommendations of Commissioner Hayne to work through. I’m very hopeful that, irrespective of those recommendations and the actions that will come from them from this place, the senior management teams within the banking sector in Australia understand the need to change the culture within those organisations; to refocus their attention on serving their customers, ensuring their customers are treated appropriately and fairly, and ensuring that their behaviour meets the requisite standard. I commend the bill to the House.